319 PILOT POINT LANE, BOCA GRANDE, FL, 33921
Active17 days on marketListed Sep 23, 2026MLS #N6145862
About this home
319 PILOT POINT LANE
Some homes have a view. This one has a front-row seat to Charlotte Harbor Bay — and every inch of it has been reimagined to match. Behind the gates, this fully renovated three bedroom, all en suite and a bonus room, four full bath residence delivers the kind of turnkey luxury that's genuinely rare on the water: brand-new metal roof, all-new kitchen, new baths, beautifully refinished hardwood floors, plantation shutters, ceiling fans, crown molding, high ceilings, new carpet, new lighting, and fresh landscaping from curb to shoreline. The list is endless! It comes fully furnished, so the only thing left to do is move in and watch the sky turn gold. Step outside and the home keeps giving. Two Trex composite decks stretch across the upper levels — durable, effortless, and built for taking in the water. Climb one more flight to the rooftop deck, where the harbor stretches out in every direction and sunset becomes a nightly event. Down below, a brand-new paver patio brings the outdoor living to ground level, perfect for morning coffee or evening entertaining. And then there's the water itself: Boca Bay offers three community pools, a beach club, a boat dock, and a fishing pier, all within a secure, gated setting. The Pass Club adds upscale dining, a heated pool with bar and food service, eight tennis courts, a fitness center, and a pro shop.
Facts & features
The home at a glance
3
Bedrooms
4
Bathrooms
3,384
Sqft
0.26 ac
Lot size
2
Garage
1991
Year built
Three Or More
Levels
$1,240
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$29,461 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$29,461/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Boca Grande actives
$1,240 vs $1,372
Days on market
17 vs 158 typical
Where $1,240/sqft sits among the 33 Boca Grande actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside North Bay
Get to know Boca Grande. See the full Boca Grande guide →
North Bay — neighborhood snapshot
Population
45
Median age
67
Median income
$250,001
Median home value
$2,000,000
Avg household
2
For the school run
Lee County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Boca Grande market
$1.6M → $2.4M
Boca Grande median sold, yr/yr
91.4%
Sale-to-list ratio (12 mo)
8 of 33
Boca Grande actives have cut their price
Median sold price, Boca Grande, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 294% above the BOCA GRANDE 33921 median. See the full Boca Grande market guide →
Paper trail
This home's history
Reality check
What actually sold near 319 PILOT POINT LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$5,250,000
152 CARRICK BEND LANE
4 bd · 4 ba · 3,372 sqft · $1,557/sqft · 0 DOM
Sold · Apr ’26$6,600,000
180 DAMFIWILL STREET
4 bd · 3.5 ba · 3,310 sqft · $1,994/sqft · 170 DOM
Sold · Dec ’25$5,275,000
589 BUTTONWOOD BAY DRIVE
3 bd · 3.5 ba · 3,204 sqft · $1,646/sqft · 1 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Pedro Ribeiro Gloria
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 319 PILOT POINT LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 319 PILOT POINT LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
319 PILOT POINT LANE FAQs
What would the monthly payment be for 319 PILOT POINT LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $29,461/mo — principal and interest, the actual property-tax bill, the $749/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 319 PILOT POINT LANE?+
The association fee works out to $749 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 319 PILOT POINT LANE?+
The most recent tax bill on record (2025) was $52,117. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 319 PILOT POINT LANE?+
The listing reports pets: Cats OK, Dogs OK, Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Boca Grande?+
At $4,195,000, this home is listed about 29% above the Boca Grande median of $3,250,000. The market section on this page shows how the area is trending.
Which schools are assigned to 319 PILOT POINT LANE?+
The Island School (elementary), Mariner High School (high), Ida S. Baker High School (high), Cape Coral High School (high), Island Coast High School (high), The Sanibel School (elementary), North Fort Myers High School (high) — Lee County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$4,195,000 runs 294% above the BOCA GRANDE 33921 median — but at 3,384 sqft it's also 65% larger than the typical Boca Grande listing.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Know the monthly fee
The association fee is $749/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
The Island School, Mariner High School, Ida S. Baker High School, Cape Coral High School, Island Coast High School, The Sanibel School, North Fort Myers High School — The Island School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of MICHAEL SAUNDERS & COMPANY · Lori Ryan. MLS #N6145862.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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